Regardless of whether you live in a big city or if you happen to live in a small town like Albertville, Minnesota, it pays to have auto insurance coverage that protects you in the event of a potential loss. Although the town boasts a property crime rate that’s 62 percent lower than the state average according to recent statistics, it’s no reason not to have your vehicle covered in case it’s stolen. After all, statistics also show that one motor vehicle theft occurs every 44.1 seconds in the U.S.
Don’t bother looking at your liability coverage – it does not handle car theft, contrary to popular belief. Instead, the same coverage that takes care of windshield damage is what covers the cost of repairing or replacing your vehicle in the event it is stolen. Comprehensive coverage protects your vehicle under a wide variety of scenarios that don’t involve a collision with another vehicle, including fire, natural disasters, vandalism and of course, theft.
If you’re looking for car theft coverage, you won’t have to look far. Practically every insurance agency offers protection against theft under the comprehensive coverage. However, it’s up to you to add optional comprehensive coverage to your auto insurance policy. There are plenty of other steps you can take to protect your vehicle from thieves and vandals, from installing an immobilizer to etching your VIN number on your window glass. You may even receive discounts just for making your car safer and less attractive to thieves.
As your independent agent, we’re happy to lend our assistance if you have any questions about your current insurance coverage. We can also help you at comprehensive coverage to your current insurance policy. Don’t forget that we can also help you find discounts that can help lower your annual insurance premiums.
When a tree in your yard is causing problems with your neighbor, it may seem like the perfect opportunity to use your home insurance to remove the problem. Although some insurers in Albertville, Minnesota may provide some assistance in certain situations, it is possible that your coverage may not include the removal of trees.
Although the removal of a tree from your yard may not be covered in every situation, it is possible that your home insurance provider will allow you to make a claim if the tree is in a precarious or dangerous position.
Risky situations, such as when the plant is dying and branches are falling onto your roof or your neighbor’s roof, may allow you to make a claim as a preventative measure against more costly repairs and damages in the future.
Variation on Policies
While some insurers may allow you to make a claim in certain situations, each policy is different and the details of your current homeowner’s plan may vary. Even if the situation is risky, some insurers may not allow you to make a claim to pay for the removal of a tree.
Read your policy thoroughly to determine if you have coverage for the removal of trees or if there are certain situations that will allow you to make a claim. You may have a clause or exception that prevents you from making a claim in some situations.
The ability to remove trees from your yard that are causing problems with your neighbors may depend on the current situation. If you want to learn more about coverage options and details, contact us to talk to an independent agent.
If you have a family member who drives your car on a regular basis in Wayzata, Minnesota, it’s generally a good idea to have them listed on your auto insurance policy. This helps protect your vehicle in the event of an accident and makes it easier to cover incidents such as windshield damage, plus it also protects those behind the wheel. However, you might be wondering whether adding an additional driver or two will have any effect on your premium.
Placing additional drivers on your policy can potentially have an effect on your premiums, based on the number of drivers added and their driving records. For example, adding a driver who has received several speeding tickets in the previous year will likely cost your premium to increase, whereas adding an older driver with a spotless record may trigger a reduction in your premiums.
Each insurance provider has its own method of calculating a premium for each auto insurance policy. In addition to driving records, the provider may also take into account the type of vehicle to which additional drivers are added and average annual mileage, just to name a few additional factors.
Don’t forget that if a family member has their own auto insurance, their policy is likely to cover them if they occasionally drive your vehicle. By talking to an independent agent, you can find out more about how adding family members to your car’s coverage affects your policy. It’s important to get in touch with us for more details on your specific policy.
When driving past the seemingly peaceful forests surrounding Albertville, Minnesota, it pays to keep an eye out for the unexpected, such as a run-in with a deer or any other wild animal. According to the Minnesota Department of Transportation, over 20,000 deer-vehicle accidents occur on a yearly basis. Hitting a wild animal can do more than just give you a scare – it can also result in significant damage to your car, depending on the size of the animal. Windshield damage, broken headlights and crunched fenders aren’t uncommon when dealing with animal collisions.
You might assume that any accident involving a wild animal will be covered by your policy’s collision coverage. However, your insurer will likely cover such an accident under your comprehensive coverage. This coverage also covers damage caused by vandalism, theft, natural disasters and falling objects.
Some companies may even consider an animal strike as an “act of God,” which means you won’t have to pay a deductible and your rates remain the same. If you do have to pay a deductible, it’s important to have an estimate of the damage caused during the accident. If the repairs cost less than the deductible amount, you’re better off paying for the damage out-of-pocket.
If you’re not sure about your coverage, it pays to read the fine print before making a claim. As your independent agent, we can help you better understand your auto insurance policy and how it best protects you from life’s uncertainties. Don’t hesitate to get in touch with us if you need more information about your policy.
Disclaimer: The content of these blogs do not represent any type of specific coverage’s offered by the agency.